Buy Cheap Urbana, OH Auto Insurance in 2024
Urbana, OH auto insurance rates average $225 a month. Minimum auto insurance requirements in Urbana, Ohio are 25/50/25 to comply with Ohio laws. To buy cheap auto insurance in Urbana, OH, compare Urbana auto insurance quotes from top companies.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Urbana is Liberty Mutual
- The most expensive auto insurance company in Urbana after a DUI is Travelers
- Average auto insurance rates in Urbana, OH after a DUI are $3,136/year
Finding affordable Urbana, Ohio auto insurance can be challenging, but everything you need to know to buy cheap Urbana, OH auto insurance with confidence is right here. Auto insurance rates in Urbana are affected by local factors as well as personal ones like your driving record.
See how Urbana, OH car insurance rates compare to Lorain auto insurance rates, Parma auto insurance rates, and Hamilton auto insurance rates before you read more about the cost of auto insurance in Urbana.
Don’t buy Urbana, OH auto insurance until you’ve compared rates. Get free Urbana, Ohio auto insurance quotes when you enter your ZIP code above.
Urbana, OH Minimum Auto Insurance Requirements
The required auto insurance in Urbana, OH is 25/50/25 according to the auto insurance laws in Ohio. The minimum auto insurance in Urbana, Ohio is outlined here.
Minimum Required Auto Insurance Coverage in Urbana, Ohio
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Find Cheap Urbana, OH Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Urbana, OH. Take a look at Urbana, Ohio auto insurance rates by credit history.
Annual Auto Insurance Rates by Credit Score in Urbana, Ohio
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,824 | $2,784 | $2,327 |
| American Family | $1,848 | $1,263 | $1,069 |
| Farmers | $3,758 | $3,166 | $3,015 |
| Geico | $2,214 | $1,847 | $1,479 |
| Liberty Mutual | $5,452 | $3,348 | $2,626 |
| Nationwide | $3,855 | $3,106 | $2,623 |
| Progressive | $3,887 | $3,351 | $3,127 |
| State Farm | $3,544 | $2,190 | $1,726 |
| Travelers | $3,440 | $2,994 | $2,796 |
| USAA | $1,853 | $1,311 | $1,118 |
Buy Cheap Urbana, OH Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Urbana, Ohio auto insurance rates? Find out how car insurance rates in Urbana, OH are impacted by demographics.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Urbana, Ohio
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $1,996 | $1,990 | $1,799 | $1,923 | $5,491 | $6,282 | $2,101 | $2,246 |
| American Family | $880 | $912 | $802 | $805 | $2,646 | $2,871 | $1,087 | $1,143 |
| Farmers | $1,766 | $1,759 | $1,557 | $1,642 | $7,723 | $8,003 | $1,981 | $2,073 |
| Geico | $1,332 | $1,297 | $1,243 | $1,249 | $3,576 | $3,337 | $1,479 | $1,262 |
| Liberty Mutual | $1,775 | $1,935 | $1,368 | $1,657 | $9,292 | $10,495 | $1,886 | $2,061 |
| Nationwide | $2,133 | $2,144 | $1,925 | $1,939 | $5,448 | $7,025 | $2,286 | $2,660 |
| Progressive | $1,795 | $1,698 | $1,493 | $1,542 | $7,869 | $8,866 | $2,153 | $2,225 |
| State Farm | $1,506 | $1,506 | $1,343 | $1,343 | $4,629 | $5,821 | $1,747 | $2,001 |
| Travelers | $1,419 | $1,440 | $1,412 | $1,403 | $6,123 | $9,650 | $1,480 | $1,688 |
| USAA | $865 | $872 | $823 | $822 | $2,667 | $2,969 | $1,155 | $1,248 |
Buy Cheap Urbana, OH Auto Insurance for Teen Drivers
Auto insurance for teenagers in Urbana can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Urbana, OH are listed here.
Annual Auto Insurance Rates for Teen Drivers in Urbana, Ohio
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $5,491 | $6,282 |
| American Family | $2,646 | $2,871 |
| Farmers | $7,723 | $8,003 |
| Geico | $3,576 | $3,337 |
| Liberty Mutual | $9,292 | $10,495 |
| Nationwide | $5,448 | $7,025 |
| Progressive | $7,869 | $8,866 |
| State Farm | $4,629 | $5,821 |
| Travelers | $6,123 | $9,650 |
| USAA | $2,667 | $2,969 |
Buy Cheap Urbana, OH Auto Insurance for Seniors
You can save on senior auto insurance rates in Urbana, Ohio by comparing Urbana senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Urbana, OH here.
Annual Auto Insurance Rates for Senior Drivers in Urbana, Ohio
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,799 | $1,923 |
| American Family | $802 | $805 |
| Farmers | $1,557 | $1,642 |
| Geico | $1,243 | $1,249 |
| Liberty Mutual | $1,368 | $1,657 |
| Nationwide | $1,925 | $1,939 |
| Progressive | $1,493 | $1,542 |
| State Farm | $1,343 | $1,343 |
| Travelers | $1,412 | $1,403 |
| USAA | $823 | $822 |
Find Cheap Auto Insurance Rates in Urbana, OH by Coverage Level
The amount of coverage you choose is a big factor in the cost of Urbana, Ohio auto insurance. Compare Urbana, OH auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Urbana, Ohio
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $2,885 | $2,973 | $3,077 |
| American Family | $1,371 | $1,403 | $1,405 |
| Farmers | $3,146 | $3,263 | $3,529 |
| Geico | $1,794 | $1,839 | $1,907 |
| Liberty Mutual | $3,669 | $3,825 | $3,931 |
| Nationwide | $3,541 | $3,096 | $2,948 |
| Progressive | $3,333 | $3,428 | $3,604 |
| State Farm | $2,371 | $2,494 | $2,596 |
| Travelers | $2,997 | $3,117 | $3,117 |
| USAA | $1,368 | $1,426 | $1,489 |
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Find Cheap Urbana, OH Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Urbana. Compare auto insurance rates in Urbana, OH by commute length to see how your daily commute impacts your rates.
Annual Auto Insurance Rates by Commute Length in Urbana, Ohio
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $2,978 | $2,978 |
| American Family | $1,377 | $1,410 |
| Farmers | $3,313 | $3,313 |
| Geico | $1,815 | $1,879 |
| Liberty Mutual | $3,809 | $3,809 |
| Nationwide | $3,195 | $3,195 |
| Progressive | $3,455 | $3,455 |
| State Farm | $2,426 | $2,548 |
| Travelers | $3,077 | $3,077 |
| USAA | $1,374 | $1,481 |
Find Cheap Urbana, OH Auto Insurance Rates by Driving Record
Auto insurance rates in Urbana, Ohio are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Urbana, OH, take a look at the average cost for various violations versus rates for a clean driving record in Urbana.
Annual Urbana, Ohio Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,508 | $3,027 | $3,545 | $2,833 |
| American Family | $1,336 | $1,412 | $1,412 | $1,412 |
| Farmers | $2,730 | $3,516 | $3,429 | $3,578 |
| Geico | $1,256 | $1,811 | $2,612 | $1,709 |
| Liberty Mutual | $3,203 | $4,104 | $4,194 | $3,734 |
| Nationwide | $2,561 | $3,257 | $4,131 | $2,831 |
| Progressive | $2,980 | $4,045 | $3,173 | $3,622 |
| State Farm | $2,270 | $2,704 | $2,487 | $2,487 |
| Travelers | $2,264 | $2,953 | $4,456 | $2,635 |
| USAA | $1,098 | $1,471 | $1,926 | $1,216 |
Find Cheap Urbana, OH Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Urbana, Ohio is higher than for a clean driving record. You can buy auto insurance after a DUI in Urbana for less when you shop around and compare rates from multiple Urbana, OH auto insurance companies.
Annual Auto Insurance Rates After a DUI in Urbana, Ohio
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $3,545 |
| American Family | $1,412 |
| Farmers | $3,429 |
| Geico | $2,612 |
| Liberty Mutual | $4,194 |
| Nationwide | $4,131 |
| Progressive | $3,173 |
| State Farm | $2,487 |
| Travelers | $4,456 |
| USAA | $1,926 |
Winners by Category: Where to Buy Cheap Auto Insurance in Urbana, OH
Compare rates from the cheapest auto insurance companies in Urbana, OH for your needs. Take a look at how Urbana, Ohio auto insurance companies stack up for each category.
Best Annual Auto Insurance Rates by Company in Urbana, Ohio
| Category | Insurance Company |
|---|---|
| Teenagers | American Family |
| Seniors | American Family |
| Clean Record | USAA |
| With 1 Accident | American Family |
| With 1 DUI | American Family |
| With 1 Speeding Violation | USAA |
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Find Cheap Urbana, Ohio Auto Insurance Companies
If you’re looking for the cheapest Urbana, OH auto insurance companies overall, you can compare them here. Find the best price for Urbana, Ohio car insurance by company.
Average Annual Auto Insurance Rates by Company in Urbana, Ohio
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $2,978 |
| American Family | $1,393 |
| Farmers | $3,313 |
| Geico | $1,847 |
| Liberty Mutual | $3,809 |
| Nationwide | $3,195 |
| Progressive | $3,455 |
| State Farm | $2,487 |
| Travelers | $3,077 |
| USAA | $1,427 |
What affects Urbana, Ohio auto insurance rates?
Local factors affect auto insurance rates in Urbana, OH, including traffic, theft statistics, and commute length. Take a look at the things that impact Urbana auto insurance rates.
Auto Theft in Urbana
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Urbana, OH auto theft show a total of 10 vehicle thefts annually.
Commute Times in Urbana
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Urbana, OH is 18.6 minutes according to City-Data.
Compare Auto Insurance Quotes in Urbana, OH
You can buy cheap Urbana, OH auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Urbana, Ohio auto insurance quotes from top companies.
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Frequently Asked Questions
How can I find cheap auto insurance in Urbana, OH?
To find cheap auto insurance in Urbana, OH, you can follow these steps:
- Shop around: Obtain quotes from multiple insurance providers to compare rates and coverage options specific to Urbana, OH.
- Maintain a good driving record: A clean driving record with no accidents or traffic violations can help you qualify for lower insurance premiums.
- Consider local insurers: Some regional or local insurance companies may offer competitive rates tailored to the Urbana, OH area.
- Opt for higher deductibles: Increasing your deductible—the amount you pay out of pocket before insurance coverage kicks in—can lower your premiums.
- Look for discounts: Inquire about discounts offered by insurance companies, such as safe driver discounts, multi-policy discounts, or discounts for certain safety features in your vehicle.
What factors affect the cost of auto insurance in Urbana, OH?
Several factors can influence the cost of auto insurance in Urbana, OH. Some of the key factors include:
- Location: Insurance rates can vary based on where you live due to factors like traffic density, crime rates, and accident statistics specific to Urbana, OH.
- Vehicle specifications: The year, make, and model of your vehicle, as well as its safety features and repair costs, can impact insurance rates.
- Driving record: Your driving history, including accidents, traffic violations, and claims, can affect your insurance premiums.
- Age and gender: Younger drivers and male drivers often pay higher premiums due to statistical risk factors.
- Coverage and deductibles: The type and amount of coverage you choose, as well as the deductible you opt for, can affect your insurance costs.
- Credit history: In some states, insurance companies consider credit-based insurance scores when determining rates. However, regulations regarding this practice may vary.
Are there any local insurance companies in Urbana, OH that offer affordable auto insurance?
Yes, there are local insurance companies in Urbana, OH that may offer affordable auto insurance options. Some regional or local insurers often cater specifically to the needs of the local community and may provide competitive rates. Consider reaching out to local insurance agents or using online resources to explore insurance options from local companies in Urbana, OH.
What are some common discounts I should inquire about when shopping for auto insurance in Urbana, OH?
When shopping for auto insurance in Urbana, OH, you should inquire about the following common discounts:
- Safe driver discount: If you have a clean driving record without accidents or traffic violations, you may qualify for a safe driver discount.
- Multi-policy discount: If you bundle your auto insurance with other policies, such as homeowners or renters insurance, you may be eligible for a discount.
- Good student discount: If you or a covered family member is a student with good grades, you may qualify for a discount.
- Safety features discount: Ask about discounts for safety features in your vehicle, such as anti-lock brakes, airbags, or anti-theft systems.
- Low mileage discount: If you drive fewer miles annually, you may be eligible for a discount as it reduces the risk of accidents.
Can I get cheap auto insurance in Urbana, OH if I have a less-than-perfect driving record?
While a less-than-perfect driving record may impact your auto insurance premiums, it is still possible to find relatively affordable rates in Urbana, OH. Here are a few suggestions:
- Compare quotes: Shop around and obtain quotes from multiple insurance providers. Some companies may be more lenient than others when considering driving records.
- Consider specialized insurers: Some insurance companies specialize in providing coverage for drivers with less-than-perfect records. They may offer competitive rates tailored to your situation.
- Take defensive driving courses: Completing a defensive driving course can demonstrate your commitment to safe driving and may qualify you for a discount.
- Improve your credit score: While not directly related to your driving record, improving your credit score can help lower your insurance rates in some states.
- Opt for higher deductibles: Choosing higher deductibles can lower your premiums, but be sure to set a deductible amount that you can comfortably afford in case of an accident.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.